According to the National Flood Insurance Program (NFIP), even one inch of water in your home can cause up to $7,800 in damage. 

Flooding is NOT covered in a standard homeowners, renter's or business insurance policy.  So before you're faced with rising water, read the following information to help you learn about your flood insurance options.

How do I know what kind of flood area my home or business is in?

Everyone can sustain a loss from flooding, but not everyone faces the same level of risk. 

• High-Risk areas: at least a 1% chance of flooding annually.  All homeowners with mortgages from federal regulated or insured lenders are required to buy flood insurance.
• Moderate-Risk areas: Flood insurance in these areas is not required, but recommended.
• Undetermined-Risk areas: flood-hazard analysis has not been conducted, but risk still exists.

To find out if the flood map in your area has been updated, put your zip code in here.

How do I buy flood insurance?

Flood insurance is sold by licensed insurers, so This e-mail address is being protected from spambots. You need JavaScript enabled to view it if you would like to find out more information or get a quote.

NOTE: Flood insurance does not go into effect immediately.  Most flood insurance policies have a 30-day waiting period.

What does flood insurance cover?

The standard flood insurance policy pays for direct physical damage to your property up to the replacement cost or actual cash value of actual damages or the policy limit of liability, whichever is less.

Homeowners: You may purchase flood insurance covering up to $250,000 of flood damage to your home.  A standard flood insurance policy covers structural damage, including damage to the furnace, water heater, air conditioner, floor surfaces and debris clean-up.

The contents of your home are not covered under a standard policy; you can purchase up to $100,000 in coverage for additional premium. It's a good idea to properly value your possessions incase disaster strikes.  Click here for a useful list to help you identify what you own and what it's worth.

Coverage for basements, crawlspaces and ground-level enclosures on elevated homes is limited. If this is the case with your home, contact us about any restrictions in your coverage.

Renters: Flood is not covered under a basic renter's insurance policy.  Contact us to learn your flooding risks to decide if you need coverage for your belongings. For more information on renter's insurance, click here.

Business Owners: A flood insurance policy covers up to $500,000 on a non-residential building and its contents.

Information from National Association of Insurance Commissioners.